Natural Disaster Risk — ZIP Code 46076
Windfall, Indiana
Risk Summary for ZIP 46076
ZIP 46076 scores 3.9/10 (Low risk), below the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Below-average risk — standard coverage likely adequate
Natural disaster risk here is below the US average. Standard homeowners insurance will typically be sufficient, but it is still worth reviewing exclusions for floods and earthquakes.
This is general information only. Consult a licensed insurance professional for advice specific to your property.
Natural Hazard Profile: ZIP 46076, Indiana
ZIP 46076 in Windfall sits in the interior eastern United States. Its humid continental climate produces cold winters and warm, humid summers with variable severe weather, and notably spring tornado risk across the state. These conditions define the natural disaster environment for households across this ZIP code.
According to FEMA's National Risk Index, ZIP 46076 carries an overall risk score of 3.9/10, placing it in the low category. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. The area also faces notable exposure to tsunami and earthquake.
Within Indiana, ZIP 46076's risk is, considerably below the 5.5/10 state average. Nationally, it ranks below the U.S. national average of 4.5/10. FEMA's analysis of Indiana identifies drought as the foremost hazard, followed by tsunami and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Despite its lower-than-average risk classification, ZIP 46076 is not immune to natural hazards. Basic preparedness — an emergency kit, awareness of seasonal risks, and property insurance that covers drought — remains prudent for all residents.
What this means for ZIP 46076: Drought preparedness
- Follow local water-use restrictions, which may be enacted during severe drought conditions.
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
Risk for the surrounding area
Local Factors for ZIP 46076
These city-level factors differentiate ZIP 46076 from other communities in Indiana County and provide geographic context for its hazard exposure.
Population
1,630
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 40.4°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 1.4/10
Coordinates
40.3632° N, 85.9374° W
Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.
Recent Climate Data for ZIP 46076
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
Nearby ZIP codes
Other cities in Indiana
Data source: FEMA National Risk Index (NRI). County-level data applied to ZIP codes within each county. Scores are normalized to 1–10 across all US counties. This information is for general awareness only — consult official emergency management resources and a licensed insurer for property-specific advice.